First National Bank of Pennsylvania in Virginia vs the state
16.7%Denial rate+0.78 pts vs state
18.7%Decision denial rate-1.55 pts vs state
72.4%Origination rate+12.86 pts vs state
6.25%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.38 pts vs state
$206kMedian applicant income
684Loans originated
158Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 891 | 590 | 18.3% | 6.38% | #71 |
| 2024 | 1,060 | 737 | 18.5% | 6.63% | #70 |
| 2025 | 945 | 684 | 16.7% | 6.25% | #80 |
What First National Bank of Pennsylvania lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 236 | 158 | 49 | 20.8% |
| Loudoun County | 146 | 105 | 24 | 16.4% |
| Richmond city | 76 | 68 | 5 | 6.6% |
| Chesterfield County | 74 | 65 | 6 | 8.1% |
| Henrico County | 68 | 58 | 7 | 10.3% |
| Prince William County | 60 | 37 | 13 | 21.7% |
| Arlington County | 39 | 26 | 8 | 20.5% |
| Alexandria city | 26 | 20 | 4 | 15.4% |
| Stafford County | 21 | 7 | 11 | 52.4% |
| Louisa County | 14 | 8 | 2 | 14.3% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 945 applications in 2025, of which 684 were originated and 158 denied.
16.7% of all applications, or 18.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans First National Bank of Pennsylvania originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology